13445 Fran Street
North Edwards, CA, 93523
$199,900
MLS: 25008973
Beds
3
Baths
1
Sq Ft
1,586
Lot
0.23 ac
Year Built
1957
MLS #
25008973
Days on Market
146
Listed
Nov 28, 2025
Description
Welcome to this charming, well-maintained home featuring thoughtful updates and great utility. The nicely updated kitchen offers upgraded cabinetry and a functional layout for everyday living. A bonus room includes a built-in bookcase - perfect for home office, hobby space, or cozy retreat. The bathroom has been updated with a tile backsplash and new flooring. Comfort upgrades include a new wall heater and a pellet stove for efficient warmth. Enjoy natural lighting through beautiful picture windows in the living room. Appliances included with the sale: washer, dryer, and refrigerator (included without warranty). Outside, a shed on a cement pad provides extra storage and includes pellets for the stove (included without warranty). The 1-car garage is equipped with compressor hookups, and the compressor is included as well (included without warranty). Major system improvements add peace of mind: septic system replaced in 2023 and a newer roof installed in 2020. A great opportunity to own a move-in ready home with valuable upgrades - come see it today. This property qualifies for USDA financing. Please verify with your lender.
Location
North Edwards, Kern County, CA 93523
Open on Google Maps ↗Listed by: Joy Colovin · Berkshire Hathaway HomeServices Troth, REALTORS
Payment estimate
$1,689
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $19,990 · Loan: $179,910
- Principal & Interest
- $1,105
- Property tax (1.25%)
- $208
- Homeowners insurance
- $300
- Mortgage insurance
- $75
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this North Edwards home with as little as 3.5% down using an FHA loan — roughly $6,997 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
USDA Rural Development — 100% Financing＋
ZIP code 93523 qualifies for USDA Rural Development financing — 100% financing with no down payment for income-eligible buyers. USDA loans offer below-market interest rates and reduced mortgage insurance premiums, making this one of the most affordable paths to homeownership in North Edwards. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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